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hotel insurance
Extensions of cover
Please refer to the policy document for terms and conditions.
Our Hotel and Guest House Insurance Policy cover the folllowing as standard.
| Automatic Extensions of Cover | Standard Cover Limit |
|---|---|
| Damage to fixed glass, frontages and sanitary fittings up to the total sum insured. Maximum cover limits apply for frames, ornamental lettering and alarm foil | £500 |
| Damage to blinds and signs (excluding neon) | £1,000 |
| Loss or damage to your business goods in transit (provided loaded vehicles are locked at all times when unattended and garaged overnight) | £2,000 |
| Theft of keys including cost of replacement locks | £500 |
| Loss of money: | |
| In transit or bank night safe (cash carrying warranty will apply) | £3,000 |
| During business hours | £3,000 |
| Money left unattended and not contained in locked safe | £500 |
| From residence of principal / employee | £500 |
| From vending machines | £300 |
| Outside business hours: | |
| From locked safe | £1,500 |
| Not contained in a safe | £500 |
| Non-negotiable money (e.g. crossed cheques, credit card counterfoils) | £250,000 |
| Money cover does not extend to include money in any Automated Teller Machine unless specifically agreed by us and endorsed in your policy | |
| Personal accident and assault following robbery or hold up | Benefit of £100 per week, £10,000 for loss of limbs (occurring within 2 years of sustaining the bodily injury) |
| Loss of freezer contents following accidental change in temperature | £2,000 |
| Seasonal increase. Automatic increase in stock sum insured during busy periods | Up to 25% |
| Outside catering - cover against injury to the public and damage to their property including damage to your equipment.
Limit for equipment |
£2,000 |
| Property in the open (e.g. picnic tables or garden benches) | £500 |
| Loss of metered water | £2,500 |
| Damage to landscaped gardens caused by emergency services | £1,000 |
| Guests’ personal effects & motor vehicles: | |
| Personal effects limit | £1,000 any one guest |
| Motor Vehicles limit | £10,000 any one vehicle |
| (Maximum amount payable under this extension in any one period of insurance is £50,000) | |
| Personal money and credit cards (only applies where you have requested cover for household goods): | |
| Loss of personal money | £250 |
| Fraudulent use of personal credit cards | £500 |
Premierline Direct Limited. Registered in England and Wales No. 4521167. Registered Office: Caton Road, Lancaster LA1 3PE. Premierline Direct Limited is authorised and regulated by the Financial Services Authority, firm reference number 304779.
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